Asset Allocation Options
IAble offers choices for every investor with a range of seven risk-based asset allocation options to match both your goals and comfort with risk. You can choose a single option or a blend of all seven options in addition to the Checking Account Option.
Aggressive Option
Objective
The Aggressive Option seeks to provide long-term capital appreciation with very low income potential.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 90% of its assets to stocks and 10% of its assets to bonds.
Risks
This investment option has a number of investment-related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF, American Funds bond fund and Schwab funds, see Explanations of Investment Risk Factors, in the Plan Disclosure Booklet (PDF).
Aggressive Option Price History
Moderately Aggressive Option
Objective
The Moderately Aggressive Option seeks to provide long-term capital appreciation with low income potential.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 75% of its assets to stocks and 25% of its assets to bonds.
Risks
The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF, American Funds bond fund and Schwab ETF, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet (PDF).
Moderately Aggressive Option Price History
Growth Option
Objective
The Growth Option seeks to provide capital appreciation and low current income.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 60% of its assets to stocks and 40% of its assets to bonds.
Risks
The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF, American Funds bond fund and Schwab ETF, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet (PDF).
Moderate Option
Objective
The Moderate Option primarily seeks to provide capital appreciation and secondarily provide moderate current income.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one American Funds bond fund and one BlackRock (iShares) bond index fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 45% of its assets to stocks and 55% of its assets to bonds.
Risks
The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF, American Funds bond fund and Schwab ETF, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet (PDF).
Moderately Conservative Option
Objective
The Moderately Conservative Option seeks to provide moderate current income and low capital appreciation and moderate capital preservation.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one BlackRock (iShares) bond index fund and a Vanguard money market fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 30% of its assets to stocks, 45% of its assets to investment-grade bonds and 25% to cash or cash equivalents*.
Risks
The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF and Schwab ETF, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet (PDF).
Moderately Conservative Option Price History
*The allocation to cash or cash equivalents is an allocation to the Vanguard Cash Reserves Federal Money Market Fund, which invests 99.5% of its total assets in cash, U.S. government securities, and/or repurchase agreements that are collateralized by U.S. government securities or cash.
Conservative Option
Objective
The Conservative Option seeks to provide substantial capital preservation, limited current income and very low capital appreciation.
Strategy
The Investment Option invests in three Vanguard stock index funds, one Schwab index ETF, three Vanguard bond index funds, one BlackRock (iShares) bond index fund and a Vanguard money market fund. Through its investment in these Underlying Investments, the Investment Option allocates approximately 10% of its assets to stocks, 30% of its assets to investment-grade bonds and 60% to cash or cash equivalents*.
Risks
The Investment Option has a number of investment related risks. For a list and descriptions of the risks associated with the Vanguard funds, BlackRock ETF and Schwab ETF, see Explanations of Investment Risk Factors in the Plan Disclosure Booklet (PDF).
Conservative Option Price History
*The allocation to cash or cash equivalents is an allocation to the Vanguard Cash Reserves Federal Money Market Fund, which invests 99.5% of its total assets in cash, U.S. government securities, and/or repurchase agreements that are collateralized by U.S. government securities or cash.
Money Market Option
Objective
The Money Market Option seeks to provide current income along with the preservation of principal.
Strategy
This investment option seeks income consistent with the preservation of principal and invests all of its assets in the Vanguard Cash Reserves Federal Money Market Fund.
Risks
Income Risk, Manager Risk, Credit Risk and Industry Concentration Risk. These risks are discussed under Vanguard Investment Risks in the Plan Disclosure Booklet (PDF).
